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High Risk Life Insurance for Hazardous Occupations

Jack Venturi Hazardous Occupations, High Risk Life Insurance Comments Off on High Risk Life Insurance for Hazardous Occupations

high risk life insurance for iron workersLife insurance for hazardous occupations otherwise known as life insurance for dangerous jobs entails about 10% of the adult male workforce. Most of the Americans in the work force have safe occupations with very little risk of getting injured or killed. These white collar people can be anything from office workers such as accountants, bankers, school teachers and medical personnel for example. Another class would be the blue collar occupations such as fork lift drivers, machinists, welders and auto mechanics and plumbers, carpenters, brick layers, landscapers and many other other job descriptions.

Then you have the high risk category which would include such jobs loggers, roofers, farmers, ranchers and airplane pilots, commercial divers, electrical power line repairmen and a number of others that contain the type of risk factors that could trigger a fatal accident. 

High Risk life insurance is not just limited to serious pre-existing health conditions. This post is based on the folks with the high risk jobs that have the highest statistics for dangerous and even fatal job related accidents.

High Risk life insurance is a very common form of life insurance in the U.S.

Here is a basic list of the occupations that are considered the most dangerous occupations.
• Logging workers otherwise known as Lumberjacks.
• Commercial Fisherman working in the oceans.
• Airplane and Helicopter Pilots along with Flight Engineers.
• Roofers, especially the commercial roofer working with hot tar.
• Iron and Steel Workers working on tall high rise buildings.
• Farmers and Ranchers especially working with large livestock.
• Truck Divers, long and short haul.
• Construction Works, residential and commercial.
• Electrical Power Line Repairmen
• Refuse and Garbage Collectors.

All these occupations have one concept in common. They will normally be associated with higher premiums due to the added risk.

High Risk life insurance can still be very affordable to purchase when you are using an insurancehigh risk life insurance for commercial fisherman company that is less risk sensitive for the occupation in question. The one advantage we have is we have access to over 40 competitive life insurance companies to work with. This holds true to applicants with serious health conditions which will have the same effect as dangerous occupations when it comes to the final premium. When we shop for low cost life insurance for one of our clients we will conduct a pre-screen by collecting some of the important details of one’s job and then contacting some of the most applicable companies to see who would be planning on making the very best offer to the applicant.

Choosing the most applicable life insurance company for the applicant occupation is extremely important to make sure you are able to secure the very lowest rates possible. This is where a comprehensive list of life insurance companies come into the picture.

If a premium is going to be increased by the insurance company underwriter to compensate for the increased risk, it will normally be done with a “flat extra” fee.

A good example of a “flat extra” charge would be in this case, a commercial diver that performs underwater welding in the oceans on bridges. This is a good example of an occupation that has many hazards that could accidentally take a divers life. Our make believe diver Carl, wants to purchase a $500,000 face amount 20 year Term life insurance policy with Banner Life in this example. Carl is in very good health and would qualify for preferred rates with no problem. Carl’s premium would normally be $1,500.00 per year.

Due to the fact that Carl is a commercial diver and has many hazardous exposures underwater, Banner Life will charge a flat extra charge of $2.50 for every $1,000.00 of life insurance coverage. The premium breakdown would look like this. The flat extra charge of $2.50 for every one thousand dollars worth of life insurance coverage would look like this, $2.50 X 500 = $1,250.00. The flat extra charge of $1,250.00 is then added on to the standard life insurance premium of $1,500.00 which would look like this, $1,500.00 (base premium) + $1,250.00 (flat extra fee) = $2,750.00 for the total premium per year.

Sometimes the life insurance company in question will not add on a flat extra fee and will instead just change the rate class from Preferred to Standard Plus or from Standard Plus to Standard which will usually cost less than a flat extra fee would. What they will actually do is going to vary with the insurance company itself. Most of the companies have their own way of doing things but the typical flat extra charge will be the most common way to charge for a high risk occupation.

How do you shop for high risk life insurance and make sure you get the lowest rates possible?

The best way to find the lowest rates and secure the lowest premium after you are approved by the insurance company is to connect with a life insurance broker that specializes in high risk life insurance. The main concept is to seek out the assistance of a independent life insurance broker that works with an arsenal of competitive companies. Working with a captive agent such as State Farm, Allstate, Country Companies or Farmers is going to be a costly mistake. The captive agents have only one company to show you and that one company will never be competitive. Companies like I just named above never are competitive because they are essentially auto insurance companies.

Their auto and homeowners rates may be acceptable but their life insurance rates never are due to the fact that these companies I just named above are essentially auto insurance companies and life insurance is just a sideline to them and their rates prove it. You need to be looking at competitive life insurance companies like Banner Life, Protective Life, SBLI, Transamerica and a few others. Using the correct company for your specific situation is critical if you are looking for the lowest possible premium.

Shopping the market for high risk life insurance requires extensive experience and an arsenal of competitive companies.

Comparing Affordable Term life insurance quotes for high risk occupations on a modern life insurance quoting engine will be a smart move but only after the pre-screen so we know what the most logical rate class will be. This is a specialized form of life insurance that takes extra time and experience on the brokers part. The good part is that there is no cost to the applicant due to the fact that they never have to pay any fees to the agents and brokers.

The life insurance companies compensate the agents for their time. If a person has a hazardous job that places them in a high risk rate class they should consult with an experienced agent right from the get go and not waste any valuable time. We have well over 20 years helping clients find to lowest premium along with having their life insurance with a very stable and highly rated life insurance company.

Contact us 7 days a week for Affordable life insurance quotes over the phone with no cost or obligation.

Anytime an individual shops around for any products or services, there will always be a little confusion involved if they do not have much experience with what they are shopping for. Trying to compare Term life insurance quotes for people with dangerous occupation is a specialized field where a life insurance specialist will be needed to locate the best life insurance product and spend the least amount in the form of insurance premiums. This type of insurance is what we work with on a day to day scenario. Our normal hours of operation are 9:00 am to 9:00 pm 7 days a week. Our service to you has not cost and certainly to obligation to purchase anything. Don’t hesitate to contact us toll free at 800-897-5699. Thank you for reading our blog post High Risk Life Insurance for Hazardous Occupations. Read our About Us page to learn more about us.

Below you will find our service area where we help people save money on the best life insurance products for hazardous occupations.

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About the author

Jack Venturi

Jack Venturi is the owner of and is a licensed Insurance Broker with more than 25 years experience specializing in all forms of life insurance products. You may learn more about him at

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